Tct Federal Credit Union

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A short history of Tct FCU

Since its inception in 1959 the Tct Federal Credit Union has been serving its members in the BALLSTON SPA, New York area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Curt Cecala, the Tct FCU has grown its membership to over 12,748 with assets of more than $195,947,383. They have a main office and 4 branch offices. Please see the credit unions website or contact them by phone at (518) 884-7002 or email them at to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in BALLSTON SPA, NY.

General Information For Tct FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 12957
Address 416 ROWLAND ST 
State New York 
Zip-Code 12020
Phone Number (518) 884-7002
Fax Number (518) 884-7094
Email Address:
CEO/President Curt Cecala
Members 12,748 
Full-Time Employees 53 
Part-Time Employees
Number of Branch Offices
Total Assets 195,947,383 

Compare Tct Federal Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Stewart's CU Stewart's FCU 2911 State Route 9 12866 (518) 581-1201 No 4.00
S I Employees CU SI Cr Union 233 Ballston Ave 12866 (518) 584-4100 No 5.66
Saratoga's Community CU 433 Broadway 433 Broadway Ste 204 12866 (518) 583-2323 No 6.74
Stratton Air National Guard CU 1 air national guard rd 1 air national guard rd 12302 (518) 372-1254 No 10.92
City Of Schenectady Employees CU MAIN OFFICE 105 Jay St Rm 1 12305 (518) 346-3007 No 13.63

Tct Federal Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Tct Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 8.50 1.99 2.25 4.00 3.35
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 122 34 36 138 44
Rank Among All New York Credit Unions 16 12 15 48 14

Tct Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate N/A 0.15 0.55 0.35 0.55
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions N/A 119 55 293 219
Rank Among All New York Credit Unions N/A 30 11 77 55
Tct Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 8.5003,8057,445,373
All Other Unsecured Loans/Lines of Credit 8.7503,77810,952,838
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 4.000992,637,419
New Vehicle Loans 1.9904217,718,751
Used Vehicle Loans 2.2502,03022,928,140
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.00018533,489,121
Total Other Real Estate Loans/Lines of Credit 3.3501,15555,724,280
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 5.4601332,268,053
TOTAL LOANS & LEASES 11,606143,163,975

Tct Federal Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 7810,330,2892143,000
    b. 15 Years or less 807,361,19100
    a. > 15 years 137,416,5641999,700
    b. 15 Years or less 105,921,15800
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 1339,16200
Adjustable Rate > 1 yr 32,120,7571738,000


Closed-End Fixed Rate 67338,299,007634,597,849
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 48217,425,273581,673,182
Open-End Fixed Rate 0000
TOTALS 1,34089,213,4011258,151,731


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Tct Federal Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay No
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes